About Tri-Lakes FCU

Learn more about Tri-Lakes Federal Credit Union

Learn About the Advantages of Credit Union Membership

Our Vision, Mission, & Values


The Tri-Lakes Federal Credit Union will strive to maintain a profitable presence in the Tri-Lakes market as a full service credit union whose primary purpose is to become the primary financial institution of the citizenry.


Deliver prompt, courteous service to our members, achieve superior, long-term overall value for our members and create an environment that promotes and rewards the development and positive contribution of our employees.


The credit union’s mission shall be accomplished by keeping in mind a set of core values.

Meet Our Dedicated Team

Heather Deforest

Chief Executive Officer

Lisa Meyer

Loan Manager

Amy Rushlow

Loan Assistant

Nicole Lewis

Member Services Rep

Samantha Ladue

Bookkeeper / MSR

Melissa Barry

Member Services Rep

Learn About Our Greatest Assets

Our Members & Community

  1. Value the trust our members have placed in us.
  2. Understand that we alone establish a reputation for service delivery.
  3. Value the confidence our members have that we will never let them down or demonstrate a lack of appreciation for their confidence and business.
  4. Bring value to the credit union with a strong work ethic and a sense of responsibility for ensuring we deliver service to our members in a way that
    brings value to their banking relationship.

Our Dedicated Employees

  1. Value the contribution and commitment of employees.
  2. Recognize and reward performance.
  3. Encourage and support the development of an employees’ skill set.
  4. Ensure all employees recognize the value of teamwork, and consistently support each other in achieving the goals of the credit union.

Frequently Asked Questions

All deposit accounts are insured by NCUA up to $250,000.  If you have multiple accounts that exceed $250,000, some of your money MAY not be insured.  The basic NCUA coverage limits are:

  • Single Ownership Accounts (owned by one person with no beneficiaries): $250,000 per member-owner
  • Joint Ownership Accounts (two or more persons with no beneficiaries): $250,000 per owner (with the primary owner a member of the credit union)
  • IRAs and other certain retirement accounts: $250,000 per member-owner
  • Revocable Trust Accounts: Each member-owner is insured up to $250,000 for each eligible beneficiary named or identified in the revocable trust, subject to limitations and requirements.
  • Irrevocable Trust Accounts: Each Owner (so long as the owners OR all beneficiaries are members of the Credit Union) is insured up to $250,000 for each eligible beneficiary named or identified in the irrevocable trust, subject to specific limitations and requirements.  Coverdell Education Savings Accounts, formerly education IRAs, are insured as irrevocable trust accounts.
  • A qualifying eligible beneficiary must be a natural person, or charitable organization or non-profit entity under the Internal Revenue Code.

*These share insurance coverage limits refer to the total of all shares that account owners have at each federally insured Credit Union.  The listing above shows only the most common ownership types that apply to individual and family shares, and assumes that all NCUA requirements are met.

Anyone who lives, work, worships or attends school in the Tri-Lakes Area.

And once a member, always a member!

Our routing is 221382361.  Please give your payroll department our routing number and your share (savings) account number or your 14 digit checking account number, which can be found on the bottom of your checks.

A new signature card will need to be signed by the account owner whose name has changed for all accounts held with Tri-Lakes Federal Credit Union.  We also need a copy of your new driver’s license, marriage certificate or divorce papers.  We ask that you come to the Credit Union to change your name.

A joint owner must come to the Credit Union to remove their name from an account.  The primary accountholder cannot request to remove a joint owner.  We need a signature from the joint accountholder to remove their name from the account.  This must be done in person at the Credit Union or with a letter signed by a notary public.

ATM – $703.00
Point of Sale – $2,500.00

There is a daily limit of 3 pin transactions and 10 credit transactions in a 24 hour period.  This time period runs from 4pm to 4pm and resets itself every day.  We cannot change the number of transactions you are allowed as this is set for your security.

Employment Opportunities

If you don’t see a job opening you’re interested in, and would like to submit your resume to put on file, please download our general resume using the link below and email it to:


Board of Directors & Supervisory Committee

Board of Directors


To promote the Credit Union’s mission to serve the financial service needs of its members, the Board of Directors is established to direct and control the activities of the Credit Union.

The Board has the sole authority to make and approve policies for the uniform and consistent operation of the Credit Union. The Board also sets the strategic direction of the Credit Union by establishing specific goals and monitoring management’s progress in achieving those goals.

The Board has the overall responsibility for the safety and soundness of the Credit Union and is responsible for employing a Chief Executive Officer (CEO) with the responsibility and authority to implement the Board’s directives. Finally, the Board ensures continuity of leadership through recruitment of qualified candidates to serve as directors.

Board of Director Members:

Peter Sayles-President
Patrick Sullivan-Vice President
Barbara Plumadore-Secretary
Michele Kulina-Director
Eric Olsen-Director

Supervisory Committee


Tri-Lakes Federal Credit Union’s Supervisory Committee is responsible for ensuring that the Credit Union’s Board of Directors and management establish practices and procedures to properly safeguard members’ assets. In addition, the Committee is responsible for the annual financial statement audit from a licensed, independent auditor.

In accordance with the Federal Credit Union Act, the Supervisory Committee is comprised of volunteer members and functions completely independently of Credit Union management. As an independent body, the Supervisory Committee also investigates members’ complaints not resolved to their satisfaction by management.

Members can report perceived Credit Union rule or policy violations, unethical behavior, and complaints not resolved by management directly to the Supervisory Committee by mailing a letter to the following address:

Tri-Lakes Federal Credit Union
Supervisory Committee
PO Box 1202
Saranac Lake, NY 12983

All member communications are handled with the utmost confidentiality.

Supervisory Committee Members:

Michele Kulina
Paul Hermann-Chairman
Arijana Patterson



The National Credit Union Administration (NCUA) is the independent federal agency that regulates, charters and supervises federal credit unions. With the backing of the full faith and credit of the U.S. Government, NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF), insuring the deposits of more than 95 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.